Alliance Bank & Trust Company

Shelby, NC · Cert 57733 · Peer group: banks under $1B in assets operating in a single state (n=819-825)

FDIC · 4 branches

Q2 2024

$269.0MAssets

$211.7MLoans

$246.7MDeposits

$21.4MEquity

Executive Summary

Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 221 of 819).
Widest gap: tier 1 capital ratio trails 85% of banks under $1B in assets operating in a single state (rank 703 of 825).
Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.14%

Rank 240 of 825

Net Interest Margin

4.71%

Rank 51 of 823

Efficiency Ratio

49.02%

Rank 81 of 825

Equity / Assets

7.94%

Rank 602 of 825

Unfavorable gap of $5.8M · efficiency ratio beats 90% of banks under $1B in assets operating in a single state

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank	8-Qtr Trend
Earnings
Return on Assets	1.14%	0.44%	0.82%	1.20%	Beats 71%	240 / 825	n/a
Return on Equity	14.32%	4.83%	8.68%	12.76%	Beats 82%	148 / 823	n/a
Net Interest Margin	4.71%	2.67%	3.21%	3.78%	Beats 94%	51 / 823	n/a
Efficiency Ratio	49.02%	60.48%	70.66%	82.88%	Beats 90%	81 / 825	n/a
Asset Quality
Nonperforming Loans / Loans	0.23%	0.04%	0.33%	0.89%	Beats 56%	362 / 819	n/a
Net Charge-Offs / Loans	0.00%	n/a	0.01%	0.04%	Beats 100%	221 / 819	n/a
Capital
Tier 1 Capital Ratio	10.36%	11.27%	13.54%	17.30%	Beats 15%	703 / 825	n/a
Total Risk-Based Capital Ratio	11.62%	11.58%	14.22%	17.83%	Beats 26%	613 / 825	n/a
Equity / Assets	7.94%	7.81%	9.47%	12.02%	Beats 27%	602 / 825	n/a
Liquidity & Funding
Loans / Deposits	85.80%	59.04%	76.96%	89.87%	67th pctl	270 / 825	n/a
Loans / Assets	78.68%	51.66%	65.27%	75.68%	83rd pctl	143 / 819	n/a
Brokered Deposits / Deposits	n/a	Not reported for this institution